Get Your Funding Proposal
Everything You Need to Make an Informed Decision
Calculators, comparison guides, and plain-English explainers organized by where you are in the decision process. No gated content. No forms required to read.
- 600+businesses funded
- $900M+invoices purchased
- 97%fund again
No hard credit pull on your business · Your customers’ credit carries the most weight
- All Resources
- Awareness
- Consideration
- Decision
Pillar Tools
The Three Resources That Convert Browsers to Decisions
These are the highest-leverage tools on this site. If you do nothing else, run the calculator and take the fit assessment before calling anyone.
Consideration Stage
Working Capital ROI Calculator
Enter your invoice volume and payment terms. See your estimated advance, fee and the opportunity cost of waiting for customer payments.
Awareness Stage
Factoring Fit Assessment
Five questions. Two minutes. Instant result: whether your invoices qualify, what advance rate to expect, and which industry path is right for you. No email required to see your result.
Awareness Stage
What Is Invoice
Factoring?
The plain-English guide for first-time buyers. How it works, how it differs from a loan, what it costs, and who it’s designed for. Written for CFOs and owner-operators alike.
Comparison Guides
Factoring vs. the Alternatives
For buyers comparing factoring to other capital options. Direct comparisons not sales pitches. Includes honest "when the alternative wins" sections.
Manufacturing · Professional Services
Invoice Factoring vs. Line of Credit
Speed, covenant risk, balance sheet impact, customer non-payment. Seven dimensions side-by-side — plus an honest "when a LOC wins" section.
Staffing · Wholesale Distribution
Invoice Factoring vs. Merchant Cash Advance
Structural difference, daily repayment drain, customer non-payment, cost transparency. Why B2B businesses should look at factoring first.
All Industries · Consideration Stage
Recourse vs. Non-Recourse Factoring
What each option protects you from, what it doesn't cover, what it costs, and why we don't offer non-recourse. The question most buyers don't think to ask until after they've signed.
Industry Guides
Factoring for Your Vertical
Industry-specific buyer pathways. Each page covers the pain unique to that vertical, Sigma's response, an advance estimator, FAQ, and a case study.
Staffing
W-2 & 1099, weekly cycles, NOA handling, credit insurance.
Fund Contracts Your Bank Line Can't Keep Up With.
Net-60/90, covenant risk, UCC structure, credit insurance for large invoices.
Run More Loads Than Your Cash Flow Allows.
Per-load funding, broker NOA, same-day delivery funding.
Take On the Orders Your Cash Flow Has Been Declining.
Inventory-to-payment gaps, thin margin ROI framing, selective factoring.
Ready to Run Your Numbers?
Start with the calculator, take the fit assessment, then get a real proposal. The whole path takes under 10 minutes.
- No obligation to sign
- No hard credit pull
- Ask about a trial period